Automated application workflows based on signal detection

Abstract

Techniques are described for automatically presenting workflow(s) in an application based at least partly on detected signal(s). A radio-frequency signal may be emitted from a transceiver included in, attached to, or otherwise associated with a payment card. The signal may be received by a transceiver of a user device when the card is in proximity to the device and, in response, an application may launch a workflow including one or more pages of content in the application. The launched workflow may include functionality for activating a payment card, based on a determination that the card is not yet activated. The launched workflow may also include functionality for viewing account information, based on a determination that the card is already activated.

What is claimed is: 
     
       1. A computer-implemented method performed by at least one processor, the method comprising:
 receiving, by the at least one processor, through a transceiver component of a user device associated with a user of a physical payment card, a signal from a chip in the physical payment card, wherein the signal includes a card identifier (ID) of the payment card, wherein:
 the signal is transmitted from a radio-frequency transmitter included in the payment card, or 
 the signal is transmitted from a near field communication (NFC) transmitter included in the payment card; 
 
 determining, by the at least one processor, the card ID from the signal; 
 verifying that the payment card and the user device are associated with the user; 
 receiving, by the at least one processor, a status of the payment card corresponding to the card ID; 
 based at least partly on the status of the payment card, presenting, by the at least one processor, a workflow in an application executing on the user device; and 
 responsive to the status of the payment card being currently inactive: presenting a card activation workflow, wherein use of the card activation workflow causes the status of the payment card to transition from inactive to active. 
 
     
     
       2. The method of  claim 1 , wherein presenting the workflow further comprises presenting an account information workflow responsive to the status of the payment card being currently active. 
     
     
       3. The method of  claim 1 , further comprising:
 sending a status request to a card service executing remotely, the status request including the card ID; 
 wherein the status is provided by the card service in response to the status request. 
 
     
     
       4. The method of  claim 1 , wherein the signal is transmitted from a radio-frequency transmitter included in the payment card. 
     
     
       5. The method of  claim 1 , wherein the signal is transmitted from a near field communication (NFC) transmitter included in the payment card. 
     
     
       6. The method of  claim 1 , further comprising:
 sending, by the at least one processor, an activation request to a card service executing remotely, the activation request including the card ID; and 
 receiving, by the at least one processor, a notification from the card service in response to the request, the notification indicating that the payment card is activated for a period of time. 
 
     
     
       7. The method of  claim 6 , wherein the payment card is inactive prior to sending the activation request, based on a determination that a location of the user device is outside a typical area of travel. 
     
     
       8. The method of  claim 1 , the method further comprising:
 responsive to the status of the payment card being currently active: displaying a current balance of the payment card, recent transactions associated with the payment card, previous payments associated with the payment card and next payment due for the payment card. 
 
     
     
       9. The method of  claim 1 , wherein presenting the card activation workflow further comprises:
 in response to verifying that the payment card and the user device are associated with the user, sending, by the at least one processor, an activation request to a card service executing remotely, the activation request including the card ID. 
 
     
     
       10. The method of  claim 9 , wherein the payment card is activated for a period of time, wherein the method further comprises notifying the user that the payment card can be used for the period of time. 
     
     
       11. A system comprising:
 at least one processor; and 
 a memory communicatively coupled to the at least one processor, the memory storing instructions which, when executed by the at least one processor, cause the at least one processor to perform operations comprising:
 receiving, through a transceiver component of a user device associated with a user of a physical payment card, a signal from a chip in a physical payment card, wherein the signal that includes a card identifier (ID) of the payment card, wherein:
 the signal is transmitted from a radio-frequency transmitter included in the payment card, or 
 the signal is transmitted from a near field communication (NFC) transmitter included in the payment card; 
 
 determining the card ID from the signal; 
 verifying that the physical payment card and the user device are associated with the user; 
 receiving a status of the payment card corresponding to the card ID; 
 based at least partly on the status of the payment card, presenting a workflow in an executing application; and 
 responsive to the status of the payment card being currently inactive: 
 presenting a card activation workflow, wherein use of the card activation workflow causes the status of the payment card to transition from inactive to active. 
 
 
     
     
       12. The system of  claim 11 , wherein presenting the workflow further comprises presenting an account information workflow responsive to the status of the payment card being currently active. 
     
     
       13. The system of  claim 11 , the operations further comprising:
 sending a status request to a card service executing remotely, the status request including the card ID, 
 wherein the status is provided by the card service in response to the status request. 
 
     
     
       14. The system of  claim 11 , wherein the signal is transmitted from a radio-frequency transmitter included in the payment card. 
     
     
       15. The system of  claim 11 , wherein the signal is transmitted from a near field communication (NFC) transmitter included in the payment card. 
     
     
       16. One or more non-transitory computer-readable media storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations comprising:
 receiving, through a transceiver component of a user device, a signal from a chip in a physical payment card, wherein the signal that includes a card identifier (ID) of the payment card; 
 determining the card ID from the signal; 
 verifying that the card ID and the user device are associated with the user; 
 receiving a status of the payment card corresponding to the card ID; 
 after the verifying and based at least partly on the status of the payment card, presenting a workflow in an application executing on the user device; and 
 responsive to the status of the payment card being currently inactive:
 presenting a card activation workflow, wherein use of the card activation workflow causes the status of the payment card to transition from inactive to active. 
 
 
     
     
       17. The one or more non-transitory computer-readable media of  claim 16 , wherein presenting the workflow further comprises presenting an account information workflow responsive to the status of the payment card being currently active. 
     
     
       18. The one or more non-transitory computer-readable media of  claim 16 , the operations further comprising:
 sending a status request to a card service executing remotely, the status request including the card ID; 
 wherein the status is provided by the card service in response to the status request. 
 
     
     
       19. The one or more non-transitory computer-readable media of  claim 16 , the operations further comprising:
 sending an activation request to a card service executing remotely, the activation request including the card ID; and 
 receiving a notification from the card service in response to the request, the notification indicating that the payment card is activated for a period of time. 
 
     
     
       20. The one or more non-transitory computer-readable media of  claim 19 , wherein the payment card is inactive prior to sending the activation request, based on a determination that a location of the user device is outside a typical area of travel.